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With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12 or 24 months at 0% interest*.

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*


Spend S$1,000 or more at iStudio via instalment and enjoy one-time S$50 statement credits. Limited to the first 1,000 successfully registered Cards. Terms and Conditions apply. 


Enjoy S$100 savings and a Vivid Touch 2.0 (worth S$198) when you spend S$3,000 or more at OGAWA via instalment. Limited to the first 80 Card Members. Terms and Conditions apply. 

The Hour Glass

Enjoy S$400 savings when you spend a minimum of S$8,800 at The Hour Glass via instalment. Limited to the first 50 Card Members. Terms and Conditions apply. 


Enjoy S$100 savings when you spend S$2,000 or more at COURTS via instalment. Limited to the first 50 Card Members per month. Terms and Conditions apply.

Harvey Norman

Purchase the new Dyson Omni-Glide via instalment and receive an additional 1-year warranty extension (worth S$78) and a complimentary Dyson Tool Bag (worth S$69). Redemption is limited to the first 100 eligible Card Members, while stocks last. Terms and Conditions apply.

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will be accrued or earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.